SCHD vs TRTY
Schwab US Dividend Equity ETF vs Cambria Trinity ETF
Which is better, SCHD or TRTY?
Large Cap Value against Tactical Allocation.
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 64.5%.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | SCHD | TRTY |
|---|---|---|
| Expense Ratio | 0.06%Best | 0.46% |
| AUM | $112.2B | $281M |
| Dividend Yield | 3.13% | 2.88% |
| Holdings | 103 | 31 |
| YTD Return | +27.56%Best | +12.36% |
| 1Y Return | +30.29%Best | +18.82% |
| 3Y Return (annualized) | +16.37%Best | +11.55% |
| 5Y Return (annualized) | +10.23%Best | +6.71% |
| Volatility (annualized) | 16.5% | 9.5%Best |
| Max Drawdown | -33.4% | -22.3%Best |
| $10,000 over 5 years | $16,274Best | $13,836 |
| Top 10 Weight | 41.5%Best | 64.5% |
| Fund Family | Charles Schwab Asset Management | Cambria Investment Management |
| Category | Equity | Allocation/Balanced |
| Style | Large Cap Value | Tactical Allocation |
| Inception | Oct 20, 2011 | Sep 10, 2018 |
Volatility and max drawdown are measured over the window both funds cover: Sep 12, 2018 to Sep 4, 2026 (8 years).
SCHD vs TRTY growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 8 years both funds cover.
SCHD vs TRTY Performance
Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management and Cambria Trinity ETF (TRTY) is an ETF from Cambria Investment Management. Over the past year SCHD returned +30.29% while TRTY returned +18.82%. Year to date, SCHD is up 27.56% versus a gain of 12.36% for TRTY.
Over three years, SCHD compounded at +16.37% per year against +11.55% for TRTY; over five years the annualized figures are +10.23% and +6.71% respectively. Across the full 8-year window we track, SCHD has the edge at +11.48% annualized vs +6.34%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
SCHD has been the more volatile fund, with annualized monthly volatility of 16.5% compared with 9.5% for TRTY. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -33.4% for SCHD and -22.3% for TRTY. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.83. They usually move together, but the gap leaves some room for diversification.
Fees and Cost Over Time
SCHD charges 0.06% per year while TRTY charges 0.46%. On a $10,000 position that is $6 vs $46 annually, a gap of $40 per year that compounds over a long holding period. On income, SCHD currently yields 3.13% against 2.88% for TRTY.
Holdings Overlap
We hold position weights for 100 holdings in SCHD and 30 in TRTY, totalling 100.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 100 positions we hold weights for in SCHD and 30 in TRTY, against full books of 103 and 31.
What only one of them owns
Our book lists 29 positions for TRTY that do not appear in our book for SCHD (91.5% of the fund), and 98 for SCHD that do not appear in TRTY (99.7%).
Some of those will be the same company recorded under a different code in one of the two books, so the real difference in what you would own is no larger than this and may be smaller. We do not name the individual positions here for that reason.
You are not choosing between two funds in isolation.
Whichever of SCHD and TRTY you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, SCHD or TRTY?
SCHD has an expense ratio of 0.06% while TRTY charges 0.46%. SCHD is the cheaper option, by $40 a year on a $10,000 investment.
Which performed better, SCHD or TRTY?
Over the past year SCHD returned +30.29% vs +18.82% for TRTY, so SCHD leads on 1-year performance. Over the longest common window we track (8 years), SCHD annualized +11.48% vs +6.34% for TRTY. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, SCHD or TRTY?
SCHD has been the more volatile fund at 16.5% annualized versus 9.5% for TRTY. Worst drawdown: SCHD -33.4% vs TRTY -22.3%.
Should I hold both SCHD and TRTY?
SCHD and TRTY have a monthly-return correlation of 0.83, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, SCHD or TRTY?
SCHD yields 3.13% while TRTY yields 2.88%, so SCHD currently pays the higher dividend yield.
Is TRTY better than SCHD?
SCHD has a lower expense ratio. SCHD led over 1Y, 3Y, 5Y and the full window. SCHD is less concentrated, with 41.5% of the fund in its ten largest positions against 64.5%. Which one suits a particular account depends on what it is for. This is information, not a recommendation.